For me there are 5 villains who's culpability in the whole P2F debacle is still to be determined. As to what percentage should be apportioned to each group then I'm sure everyone has an opinion.
The 5 villains:
1./ The Airline (or more specifically the execs) for proposing/agreeing to implement P2F.
2./ The school or middleman who acts as a broker where their income is paramount opposed to the welfare or future career of the pilot.
3./ The low houred/newly qualified pilot for paying a commercial company on a revenue generating flight to get ahead.
4./ BALPA for not nipping this in the bud when the first chancer tried it on, now a precedent has been set and its widespread. Poor lobbying of government/schools/airlines/members.
5./ The current government for not making this illegal and social attitudes promoted by previous governments which instilled a "all about number 1" mentality into our society.